Agent profile image in chat bubble
Agent profile image in chat header

Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

Agent profile image in message

204 San Vincente St , Panama City Beach, FL 32413
$399,000
Est. Payment: $2,023.65/mo
2 Bed
2 Bath
1080 Sqft
Status: active | Days on site: 105
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

Agent profile image
Harrison Lilly
Owner/Operator

House Description

Located in the highly desirable El Centro Beach area of Panama City Beach, 204 San Vincente Street offers the perfect blend of classic beach charm and walkable convenience. This 2-bedroom, 1-bath home sits on a spacious lot just a short stroll to the sugar-white sands and emerald waters of the Gulf. Inside, the home features a functional layout with an open living and dining area, abundant natural light, and comfortable bedroom spaces. Central heating and air provide year-round comfort, and the roof was replaced in 2011 for added peace of mind. Step outside to enjoy a fenced backyard, offering privacy and space for entertaining, pets, or future enhancements. A workshop/storage shed adds extra functionality, and the generous lot provides room for parking, outdoor living, or expansion potential. Location is where this property truly shines. Just minutes from Pier Park, you'll enjoy easy access to shopping, dining, entertainment, and attractions including Russell-Fields Pier, SkyWheel PCB, The Grand Theater, and numerous local restaurants. Whether you're looking for a primary residence, second home, or investment opportunity, this property places you in the heart of Panama City Beach's vibrant coastal lifestyle.

Highlights

Listed by Paul A Domenech , 850-543-1418 Keller Williams Realty FWB , 850-226-6323. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.15

Year Built

1967

County

Bay

Area

03 - Bay County - Beach

Neighborhood

El Centro Beach

Listing ID

789165

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2
  • Full Bathrooms:2
Appliances:Electric Oven, Electric Range, Electric Water Heater
Air Cond:Central Air
Fireplaces:

Exterior Features

Lot:Paved
Lot Dimensions:60x110
Roof:Metal
Others:
  • Additional:Deck
Parking Features:No Garage
Principal Interest
$2,024
Taxes
$209

Home Price

$399,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$79,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,023.65

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,023.65 $208.58 $0.00 $2,232.24
Yearly $24,283.83 $2,503.00 $0.00 $26,786.83
Total $728,514.98 $75,090.00 $0.00 $803,604.98

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS